Surrogacy fees include medical fees, agency fees, fees paid to the surrogate mother, fees to purchase the needs of the surrogate mother, legal fees and adoption fees. Surrogacy can put many couples through financial hardship. In addition, medical insurance may not cover the fertilization process and certainly would not cover the delivery by the surrogate mother. In 2009, the average cost of surrogacy ranged from $25,000 to $100,000. Some costs may be tax-deductible. To be certain, couples should consult with a tax adviser. If a family member offers to do it for free or for a minimal cost to cover the hospital charges only, the price is greatly decreased.